The Only Group IUL System
in the Country.
Offer your employees a tax-free retirement benefit that outperforms a 401K ā at $0 cost to your business. Enroll 2 to 10,000 employees at once using the most powerful Group IUL selling system on the market.
A Retirement Benefit That Beats a 401K — at Zero Cost.
A Group Indexed Universal Life (IUL) plan is a voluntary employee benefit where each enrolled employee receives their own individual IUL policy ā with market-linked growth, a 0% floor, tax-free retirement income, and 18 living benefits.
Unlike a 401K, employees keep this policy forever ā through every job change, through retirement, and beyond. And because it’s structured through a Section 125 Cafeteria Plan, the entire program costs your business nothing while actually lowering your payroll taxes.
Tax-Free for Employees
Employees build cash value tax-free and withdraw it in retirement with no tax bill ā unlike a 401K.
Portable for Life
The policy belongs to the employee permanently ā it doesn’t disappear when they change jobs or retire.
Saves You Money
You pay $0 in premiums. In fact, you save 7.65% in FICA taxes on every dollar employees redirect through the plan.
What a Single Business Client Can Generate
Group IUL average commission is $2,000 per enrolled employee. One client relationship can change your year.
from a single client
from a single client
from a single client
from a single client
Based on $2,000 average Group IUL commission per enrolled employee. Actual commissions vary by carrier and policy.
Six Problems Solved With One Product.
When any one of these business challenges is addressed, profits increase. A Group IUL addresses all six simultaneously.
Hire Top Talent
A Group IUL benefit gives your job listings a distinct edge over competitors. Candidates see a long-term financial benefit, not just a salary ā and that changes their decision.
Retain Key Employees
The longer an employee stays, the more valuable their IUL policy becomes. This creates a powerful financial incentive to stay ā known as “golden handcuffs.”
Reduce Payroll Taxes
Every dollar employees contribute pre-tax through the Section 125 plan reduces your FICA obligations by 7.65%. With a team of 50, that can mean $15,000+ in annual tax savings.
Reduce Benefit Costs
The entire Group IUL program is structured at $0 employer cost. You deliver a premium retirement benefit to your entire workforce without adding a line item to your benefits budget.
Improve Productivity
Employees with financial security and a clear retirement path have lower stress levels and higher engagement. Financially well employees perform better.
Tether Top Performers
Unlike health insurance or a 401K, an IUL’s value compounds over time. High performers who understand this won’t want to walk away from a growing, tax-free asset.
A Benefit They’ll Actually
Care About.
Most employees don’t fully appreciate a 401K until it’s too late. A Group IUL is different ā employees understand and value it immediately because it protects them right now, not just in 30 years.
Each enrolled employee receives their own individual IUL policy with:
- Tax-free cash value that grows linked to the market with zero downside risk
- 18 living benefits ā terminal illness, chronic illness, critical illness, and more
- A death benefit that protects their family from day one
- Tax-free retirement income with no required minimum distributions
- Access to their cash value at any age ā no penalties, no age restrictions
- The policy is theirs forever ā it follows them through every job change
- Up to $2M in coverage with no medical exam required
Fully Managed From Start to Finish.
Every step ā from presentation to enrollment to applications ā is handled for you. Your only job is to say yes.
Business Discovery
A quick call to understand your business size, employee demographics, and current benefits. I build a custom Group IUL proposal for your specific situation.
Presentation Done For You
I handle the full employee presentation ā explaining the IUL benefit, answering questions, and walking everyone through what they’re receiving and why it matters.
Phone Enrollment
100% of applications are taken over the phone. Employees don’t fill out paperwork ā I handle every application, every form, every submission.
Approved in 1ā5 Days
Non-med IUL policies are typically approved in 1ā5 business days. Your team is covered, your taxes are reduced, and the benefit is active.
The Nation’s Most Powerful Group IUL Infrastructure.
This program is built on the My American Prosperity (MAP) platform ā the only group IUL selling system of its kind anywhere in the country. MAP provides the proprietary software, training, carrier relationships, and support that make group enrollments of any size possible.
Through MAP, I have access to tools and resources that simply don’t exist anywhere else ā including software that compares a 401K to an IUL side-by-side for each individual employee.
- Proprietary 401K vs. IUL comparison software
- Group enrollment infrastructure for 2ā10,000 employees
- Carrier relationships with the #1 IUL with 18 living benefits
- Hands-on training, mentoring, and ongoing support
- Day 1 Errors & Omissions coverage included
Close ratio on Group IUL presentations
Employees enrollable in one engagement
Employer cost through Section 125
Living benefits per employee policy
One Conversation Could Be Worth Six Figures.
A single mid-size business client with 100 employees generates $200,000 in Group IUL commissions. Let’s talk about what’s possible for your business ā whether you’re a business owner looking to offer this benefit, or an agent looking to partner.
Get My Free Group IUL ProposalGroup IUL FAQs
The questions business owners and employees ask most.
Get a Free, Custom Group IUL Proposal.
Tell me about your business and I’ll put together a full Group IUL proposal ā including projected employee benefit values, your estimated payroll tax savings, and a step-by-step enrollment plan. No obligation, completely free.
- $0 employer cost ā structured through Section 125
- Presentations, applications & enrollments handled for you
- Approved in 1ā5 days ā no medical exam up to $2M
- Powered by My American Prosperity ā the only system of its kind
Request Your Group IUL Proposal
Bruce will personally prepare your custom proposal within one business day.
š Completely confidential. Your information is never sold or shared.